Reimburses you for additional transportation costs to join your cruise or tour if you miss your connection due to a delay of 3 or more hours. Also covers accommodations, meals, and non-refundable trip payments for the unused portion of the trip. (Separate coverage reasons apply.)

EMERGENCY MEDICAL EXPENSE

Covers medical treatment for a sickness or injury which occurs during your trip.

EMERGENCY MEDICAL EVACUATION/REPATRIATION

We will evacuate you to the nearest appropriate medical facility if medically necessary.

If you are hospitalized more than 7 days, we will transport dependent children home if traveling with you. Also, we will send a person chosen by you to/from your bedside if you are traveling alone.

If you die while traveling, we will return your remains to your residence in the United States or to your place of burial.

BAGGAGE & CHECKED BAGGAGE DELAY

Covers loss, theft & damage to baggage & personal effects. Also reimburses you for personal effects if your bags are delayed more than 12 hours. These benefits are secondary to other coverage.

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

Pays benefits for death, loss of limbs, or loss of sight due to an accident occurring while on your trip.

OPTIONAL BENEFITS

These optional benefits are provided if you select them & pay the additional cost.

Flight Accident - Pays additional AD&D benefits for an accident occurring while you are a passenger on an aircraft.

Rental Car Damage - Provides rental car protection for your trip.

Cancel for Any Reason - Pays up to 75% of your trip cost if you cancel your trip for any reason not otherwise covered, provided you cancel 2 days or more before departure. (Coverage must be purchased within 20 days of your initial trip payment or deposit*.)

Cancel for Work Reasons - Pays up to 100% of your trip cost if you cancel your trip due to the work related reasons shown below. (Coverage must be purchased within 20 days of your initial trip payment or deposit*.)

Company merger/acquisition.

Transfer which requires relocation of your principal residence.

Requirement to work during the trip.

Place of employment unsuitable for business due to natural disaster.

Note: Coverage for job termination & layoff is included in the base plan.

Lost Ski Days & Equipment Rental - Pays up to $500 for your lift ticket if you cannot ski because 50% or more of the trails are closed. Also pays up to $500 for equipment rental if your checked sports equipment is lost, stolen, damaged or delayed 12 hours or longer.

Golf Rounds & Equipment Rental - Pays up to $500 for prepaid golf tickets or greens fees if you cannot play 9 holes of an 18-hole round due to weather. Also pays up to $500 for equipment rental if your checked sports equipment is lost, stolen, damaged or delayed 12 hours or longer.

PRE-EXISTING MEDICAL CONDITIONS

Pre-existing conditions are covered if you enroll in this plan within 20 days of your initial payment or deposit for your trip and buy coverage for the full trip cost.

A PRE-EXISTING CONDITION is an illness, disease or condition which you, your traveling companion, business partner, or family member booked to travel with you has 60 days before the coverage start date. This means that during those 60 days (1) a test, exam, or treatment was received or recommended for a condition which first manifested, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or (2) prescription medication was received or taken. Number 2 does not apply to a condition which is treated or controlled solely by taking prescription medication and which remains controlled without any change in the prescription in the 60 days before coverage begins.

*Initial Trip Payment or Deposit - This is the first day any payment is made toward your Land/Sea/Air Arrangements.